Blog Layout

Denied Roof Claims: 4 Possible Reasons
TONY • September 6, 2022

Replacing a damaged roof is a big expense, which is why it is crucial to have homeowners insurance in place. It is also essential to fully understand what the policy entails, including its limitations.

Hire Pros for a Painting Job

Keep reading to learn about four common reasons an insurance provider could deny a roof repair claim.

1. There Is a Roof Age Limit.

If the roof is approaching the end of its useful life, it is possible to get denied. Every insurance carrier views the age of a roof differently, but most insurance companies minimize their liability by setting an age limit on roofs. So, if your roofing system is more than 20 years old, there is a big possibility that your insurer will reject your roof claim

2. The Roof Has a Manufacturing Defect.

An older roof is likely to have weather-related damage. However, even relatively new roofs can have issues. If your insurer determines that the cause of roof failure is a product defect or even unnecessary repairs, the company may not cover your roof claim.

3. The Roof Has Previous Damage.

A home insurance policy will not cover damage that the roof sustained under a previous policy. Instead, it will only cover the most recent event. If the company finds out that both old and new damage is responsible for your leaking roof, it may deny your claim based on the fact that the previous damage is the main culprit behind the issue.

4. The Claim Is Filed Too Late.

Most insurance policies state that a claim must be filed within a given period. If you fail to file your insurance claim within this time, the company is likely to reject your claim. Insurance inspections after suspected damage are usually free, so it should be easy to avoid a claim denial based on tardiness. Requesting an inspection with a trusted contractor is a good place to start.


Filing an insurance claim is a complicated process. Tony’s Roofcare Inc. can help you perform a comprehensive inspection of your property and make sure the insurance adjuster understands the scope of roof repair or roof replacement that needs to be made. Fill out our convenient online form, or call us at (253) 881-8743 to get in touch with us.


Filed Under: roofing POST TAGS: ROOF CLAIM | ROOF REPLACEMENT | ROOFING CONTRACTOR

Recent Posts

By Mitch Koch April 3, 2025
Thinking about a new roof? It’s a significant investment and one of the first questions homeowners ask Tony’s Roofcare, Inc. is, “ How much does a new roof cost ?” We understand that budgeting is crucial for any project as large as a new roof. While providing an exact figure is impossible without a personalized assessment, we can offer a general overview of what goes into the costs for a new roof. What Factors Influence Roof Costs? Before we dive into pricing information, it’s important to understand the factors that will impact the final price: The size of your roof. The complexity of your roof. This includes multiple levels, dormers, intricate designs and more. The roofing materials you choose. Homeowners have the option of asphalt shingles, metal roofing, tile and wood shakes and all have varying price points. The cost of labor. These costs vary based on your location and the experience your roofing contractor brings to the table. Underlayment and flashing. You will want to invest in quality materials and ensure proper installation because these are essential for a long-lasting roof for your investment. Removal and disposal of old roofing materials adds to the overall cost of the project. A difficult to access roof may increase labor costs. Addressing underlying issues like damaged decking or framing will add to the cost of the roof replacement. General cost ranges – keep in mind these are ever-changing and are only averages Asphalt shingles are the most common and affordable option. For an “average-sized” home the costs could begin at around $10,000. Metal roofs are the most durable and long-lasting option and are becoming more popular in recent years. The cost for an “average-home” size for a metal roof could begin at around $18,000. Tile or slate roofing is a premium option; these materials are great for historic buildings or homes concerned about moisture problems. These are the most expensive option and for an “average-sized” home the starting costs would be around $25,000. What are other considerations for a new roof? Any of the price options are rough estimates. Actual costs vary and depend on your roof, its condition, the roofing material you choose, where you live and other factors. Get more than one quote from a reputable roofing contractor. If the prices are vastly different ask for an explanation on the differences. Don’t shop for the lowest price for your roof. Consider the roofing contractor’s experience and reputation. Because a roof is such a significant expense, you want to get the absolute best. Inquire about warranties. Remember, a low price could sometimes mean low quality work or materials, and that could cost you more to fix in the future. Your roof is your home’s protection from the outside elements and you want the best protection your budget allows. Get a personalized estimate from Tony’s Roofcare The best way to determine the cost of your roof replacement is to schedule a free, no obligation estimate with us. We’ll assess your home’s unique needs, provide expert recommendations and give you a detailed quote so you can make an informed decision on a roof replacement. Investing in a new roof is a significant decision – and investment – let us help you get the best bang for your budget. At Tony’s Roofcare, we’re committed to providing top-quality roofing services, including flashing replacement and free inspections. Don’t wait until a leak becomes a major problem—contact us today to ensure your roof is in the best shape possible.
March 7, 2025
Learn what flashing on a roof is and why it’s essential for leak prevention. Get expert roof flashing services from Tony’s Roof Care today.
March 7, 2025
Discover how long a metal roof lasts, its benefits, and maintenance tips. Trust Tony’s Roof Care for expert installation and long-term durability.
By Jen Woslager February 15, 2025
When it comes to installing new siding on your home, choosing the right materials is crucial for ensuring long-lasting protection and efficiency. In Parkland, WA, Tony's Roofcare consistently chooses Tyvek HomeWrap for its superior quality and the extensive benefits it offers to homeowners. Here's why Tyvek HomeWrap is our preferred choice for new siding projects.
By Jen Woslager January 14, 2025
Explore roofing options for Kent's climate. Learn about materials, maintenance, and local codes to make the best choice for your home.
By Jen Woslager December 30, 2024
Learn how exterior roof issues lead to interior damage and explore preventive measures in Tacoma, WA.
By Jen Woslager December 16, 2024
Explore how Tony’s Roofcare upgraded a Gem Heights home with CertainTeed shingles, improved ventilation, and a free Solartube, enhancing both function and style.
By Jen Woslager December 2, 2024
The advantages of metal roofing in Graham, WA, including durability, energy efficiency, and low maintenance, perfect for the Pacific Northwest climate.
Share by: